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Limited-Time Offer

The perfect match.

SmartRate Checking and a 14-Month Certificate are better together. Make the most of your savings by having both of these accounts. SmartRate Checking offers premium dividends, refunds on ATM fees, no monthly fee and no minimum balance. Certificates provide a low-risk way to grow your savings safely and are auto-renewable. Whether you’re saving for a short-term goal or getting ready for retirement, this paring gets you ahead with smart financial growth.

SmartRate Checking and 14-Month Certificate

SmartRate Checking

  • Earn up to 3.00% APY*
  • No monthly fee
  • Switching is easy!

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14-Month Certificate

  • Earn 5.10% APY**
  • Available for a Limited Time
  • Also available for businesses + non-profits

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Calculators to keep your savings on track

Disclosures

*APY = Annual Percentage Yield. Higher dividend rate based on meeting all SmartRate Checking requirements. Requirements include: eStatements, 20 debit card transactions and direct deposit (or ACH debit) per cycle. 3.00% APY is a variable rate and is effective as of 6/1/23. If you choose to receive a printed monthly statement for your SmartRate checking account, there is a monthly fee of $2.00. Balances of $25,000 or more earns a variable rate of 0.10% APY when all requirements are met. Fees could reduce the earnings on the account. ATM fees will be refunded up to $25 per month, only if all SmartRate Checking eligibility requirements are met. All rates, terms and products are subject to change without notice.
**Stated APY of 5.10% is approximate, based on a dividend rate of 4.975% APR and the assumption that dividends compound in the certificate account without being withdrawn. APY is effective as of 9/5/2023. Minimum opening balance: $500 per account. Maximum opening balance: $1,000,000 per member’s social security number across all 14-month accounts. Opening balance over $1,000,000 per term may be moved to savings. Early withdrawal penalty may apply, fees may affect earnings. Business and IRA certificates can only be opened in a Financial Center. Limited-time offer may be withdrawn or changed at any time without prior notice.